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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,151 | $59,006-89.6% | $97,295-93.7% | $74,478-91.7% |
| Participation rate | 47.6% | 63.7%-16.1pp | 72.7%-25.0pp | 67.2%-19.6pp |
| Annual return | 45.56% | 16.04%+29.5pp | 75.62%-30.1pp | 1370.56%-1325.0pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,723-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,403 | $3,671-61.8% | $4,264-67.1% | $4,350-67.7% |
| Admin fee / account holder | $464 | $1,974-76.5% | $5,646-91.8% | $1,946-76.2% |